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Florence, SC · Charter 16655 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$23.6MAssets
$9.3MLoans
$20.2MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 68% of credit unions under $1B in assets (rank 536 of 1682).
- Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets (rank 1587 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.25%
Rank 1,547 of 1,683
Net Interest Margin
3.70%
Rank 939 of 1,683
Efficiency Ratio
104.67%
Rank 1,587 of 1,682
Equity / Assets
14.24%
Rank 635 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.25% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,547 / 1,683 | |
| Return on Equity | -1.79% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,546 / 1,681 | |
| Net Interest Margin | 3.70% | 3.31% | 3.82% | 4.32% | Beats 44% | 939 / 1,683 | |
| Efficiency Ratio | 104.67% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,587 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.26% | 0.65% | 1.29% | Beats 68% | 536 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.24% | 10.44% | 12.89% | 16.53% | Beats 62% | 635 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.24% | 10.44% | 12.89% | 16.53% | Beats 62% | 635 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 46.24% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,384 / 1,683 | |
| Loans / Assets | 39.58% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,374 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |